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Do I have to set a goal or auto transfer?

Do I have to set a goal or auto transfer?

No. Both are optional. You can start saving without setting a goal or enabling auto transfer, and update them anytime later.

Do I have to set a goal or auto transfer?
How many savings accounts can I open?
Is there a limit on the savings goal amount?
What are Savings Accounts?
Is there a minimum balance required?